Any other possitive factors  - stable tenant base  - alarm systems  - regular checks on the property  - no pets  - Lead safe certification  - newer roof, plumbing, electric, etc..Anything to balance off the lossesBe prepared that it may end up in a non-standard (surplus lines) market for a couple of years.If you did not have flood coverage before, see if they will continue the current policy if you get Flood coverage and increase the property coverage deductible. 

Pay down balances regularly to keep your utilization rate low.12.

I know with private $ we'd have a higher rate but was hoping it'd be a short term solution if we could refi into regular 30y mortgage

They might not have a separate form, it might be just the regular business license form.

When they are breached, many remedies that apply in regular contracts can apply.

Check in with them regularly.

This is a hoarding situation in and on the whole property where neighbors have complained for years with police out on a regular basis and drug use that now the property finally got condemned and they will most likely just walk away from the property and leave it( you would have to see what is outside of the house to believe it).

Check out local areas and homes, meet with pros, and look into financing like regular loans or FHA loans.

Depending on location you may also need regular pest control and pool services. 

I also recommend using as many regular, vanilla mortgages as possible before going over to DSCR mortgages.